Equipment Finance for Australian Businesses
Specialist equipment finance, also known as an asset loan, for Australian ABN holders across transport, construction, agriculture and trades. BAS and trading income assessed directly. Trucks, trailers, excavators, tractors, vans, utes and general business equipment funded through one chattel mortgage, finance lease or operating lease.
- Pre-approval inside 24 hours
- $0 deposit for prime applications
- Wide specialist lender panel
- New, used, dealer or private-sale equipment
30-second check. No impact on your credit score.
Choose Your Industry
Choose the category that best describes your finance requirement.
No obligation. Soft credit check only.
Built for Every Industry, Backed by Specialists
Whether you're a transport operator adding a truck, a builder financing an excavator, a farmer upgrading machinery, or any ABN holder investing in equipment for the job, Equifund matches you to lenders that read your trading income and asset value correctly.
Who We Help
Specialist finance for every corner of Australian business.
Transport Operators Adding Trucks or Trailers
Builders & Contractors Financing Site Equipment
Farmers Upgrading Tractors & Machinery
Businesses Refinancing Existing Equipment LoansWhy Choose Us
Faster pre-approvals and terms built around your business and your asset.
Wide Panel of Australian Lenders, Not One Credit Template
We Move Quickly So You Are Not Left Waiting
Trading Income and Asset Value Assessed Directly
Support for ABN Holders and Complex Profiles
Which Equipment Can I Finance?
Equifund finances every major commercial asset class for prime ABN profiles, matched across a wide specialist lender panel.
.png)
Trucks
Prime movers, rigids, tippers and refrigerated units, new or used, funded through Equifund's dedicated truck finance program.
.png)
Trailers
Semi-trailers, dog trailers, tautliners and single-axle trailers financed alongside a prime mover or as a standalone asset.
.png)
Excavators & Loaders
Excavators, wheel loaders and backhoes financed for builders and civil contractors, matched to project cash flow.
.png?width=349&height=442&name=Rectangle%2052%20(19).png)
Tractors & Farm Equipment
Tractors, harvesters and farm machinery financed with repayment structures built around planting and harvest cycles.
.png)
Yellow Goods & Earthmoving
Bulldozers, graders, skid steers and other yellow goods financed for earthmoving and mining operations.
Vans
Delivery vans and light commercial vehicles financed for trades, courier and service businesses.
Utes & Business Cars
Utes and business cars financed for ABN holders who need a reliable everyday vehicle for work.
Prime Movers
Prime movers financed for owner-drivers and fleets running interstate linehaul and heavy haulage.
Plus cranes, forklifts, buses, generators and specialist attachments. If your equipment is not listed, we still finance it.
Which Equipment Finance Structure Is Right for You?
Five ways to structure your finance, each suited to a different goal and cash flow position.
Chattel Mortgage
You own the equipment from the day finance settles, while your lender holds a mortgage over it as security until the loan is repaid. It is the most requested structure for GST-registered businesses, since you can typically claim the GST back on the purchase price straight away and depreciation runs through your own business. Most business equipment is not classed as a car for ATO purposes, so it generally is not subject to the car cost limit, meaning the full purchase price is typically deductible. A balloon payment can be added to lower your regular repayments if that suits your cash flow better.
Hire Purchase
The lender owns the equipment for the life of the agreement and you make fixed repayments to use it, with ownership transferring to you once the final payment clears. It suits businesses that want the certainty of a fixed repayment structure, and the GST is spread across your payments rather than claimed as one lump sum upfront.
Finance Lease
Your lender retains legal title to the equipment for the term of the lease while you use it in your operation, making regular lease payments that are typically fully tax deductible. At the end of the term you can make an offer to buy the equipment, refinance the residual, or hand it back, giving you flexibility if your equipment needs change with your contracts.
Operating Lease
You pay to use the equipment for an agreed term, and your lender carries the risk of its residual value, not you. It suits businesses that like to keep their equipment current, since bundled servicing is often included and you simply hand the equipment back and roll into a newer unit when the term ends.
Unsecured Business Loan
Funds are assessed against your business's trading position rather than security over the equipment itself, so you can move quickly on a private sale or older asset a traditional lender might decline. It typically comes with a shorter term and can settle the same day, once your trading history has been assessed.
Depreciation and car cost thresholds set by the ATO. Credit licensing regulated by ASIC.
Clear Terms. No Unnecessary Complexity. Fast Outcomes.
A straightforward path designed to move you from application to pre-approval quickly.
Complete the Form in 60 Seconds
Tell us about your business and the equipment you are financing through our secure online form.
Speak With an Equipment Finance Specialist
An Australia-based equipment finance specialist reviews your situation and walks you through the documents needed for the lender match.
Get Pre-Approved Over the Phone
You'll have a clear pre-approval often within 1 business day, with rate, term and repayment structure tailored to how your income actually flows.
Settle the Loan and Take Delivery
Your specialist sources the strongest matched offer and coordinates settlement with the dealer, private seller or auction house.
Real Results for Real Businesses
See how Australian businesses are getting the equipment they need, across every asset type and industry.
Beyond Equipment Finance, What Else Can We Fund?
Equipment finance is one part of what we do. Explore Equifund's other finance solutions, or jump straight to your specific asset type below.
-1.png?width=842&height=1023&name=Frame%202147227966%20(2)-1.png)
Apply for Your Equipment Finance
Three quick steps. An Australia-based equipment finance specialist gets back to you the same business day.
Business Details
Contact Information
Asset InformationWhat Our Clients Have to Say
Rated 5.0 on Google by Australian businesses for fast pre-approvals, flexible terms and specialist service. 5.0 ★ · Real Google reviews
Have Questions?
Straight answers to the questions Australian businesses ask most about equipment finance.
What types of equipment can I finance?
Trucks, trailers, excavators, loaders, tractors, farm machinery, yellow goods, vans, utes and general business equipment, new or used, dealer, private sale or auction.
Is equipment finance the same thing as an asset loan?
Yes. Equipment finance and an asset loan are the same thing, just different names for financing business equipment against the asset itself. You apply with your ABN, we assess the business and the asset, then match you across a wide panel of specialist lenders, with pre-approval typically inside 24 hours.
Do I need a deposit?
$0 deposit is available for prime applications, especially established businesses with active contracts. New ABNs may need a contribution, but $0 deposit on the right deal is common for businesses with verifiable income.
Can I finance used or ex-fleet equipment?
Yes. Used, ex-fleet, dealer demo and private-sale equipment are all financeable. Major banks apply age cut-offs; specialist lenders look at condition, hours or kilometres and service history.
Do you finance equipment Australia-wide?
Yes. We are an Australian equipment finance team funding businesses in every state and territory, from metro to regional and remote areas.
What is the difference between a chattel mortgage, hire purchase and lease?
A chattel mortgage gives you ownership from day one and the GST benefit upfront. Hire purchase spreads ownership over the term. A lease keeps the equipment on the lender's books with set payments and an optional residual. We match the structure to your tax position and cash flow.
Can repayments be structured around seasonal income?
Yes. Seasonal and skip-month structures are common for businesses whose income runs against harvest, project or contract cycles. The lender panel includes options that build repayments around how your income actually flows.
Can I claim the instant asset write-off or GST on equipment?
Most business equipment is not classed as a car for ATO purposes, so it generally is not subject to the car cost limit, and a chattel mortgage lets you claim the GST upfront. Consult your accountant to confirm your position and current write-off thresholds.
Can I refinance or do a sale-and-leaseback on equipment I already own?
Yes. Refinance can lower your rate or restructure a balloon, and sale-and-leaseback frees up equity in equipment you own outright to fund the next purchase.
Do balloon or residual payments work on equipment finance?
Yes. A balloon or residual lowers your monthly repayment by deferring part of the value to the end of the term. We structure it to suit your replacement cycle so it does not catch you out.
How long does equipment finance take to settle?
Pre-approval typically comes back inside a business day. Settlement happens once you have signed contracts and any final lender conditions are met. Specialist lenders read trading income and contracts directly, so they move faster than major banks.
Can I get equipment finance with a short trading history?
Yes. Specialist lenders can assess on your contract, the asset and your industry experience rather than requiring years of trading, which is how many first-time buyers get pre-approved.
Can I get pre-approved before I've signed a contract?
Yes. A conditional pre-approval lets you quote the work and commit to the equipment knowing the finance is in place, then settle once the contract is signed.
Can I finance multiple pieces of equipment or a whole fleet?
Yes. Multi-asset and fleet deals are common, funded as a package under a master facility rather than separate loans, which simplifies your repayments and reporting.
What do I need to apply for equipment finance?
An active ABN, recent BAS or bank statements, the equipment details, and any contract or purchase order. We will confirm exactly what your lender match needs after a quick call.